Workers' Comp Premium Estimator

Combines your state, industry classification codes, and payroll into an annual workers' compensation premium range.

What this calculator does not do

This tool will never generate a real premium quote, bind coverage, or replace advice from a licensed insurance professional. Any number it produces is an illustrative estimate based on a disclosed methodology, intended to help you understand your options before you compare real providers.

Class C — carrier-rate-illustrative

This estimate is built on a documented illustrative formula, not real NCCI or state rating-bureau rates. It also does not model monopolistic-state rules — a handful of states run their own state-fund-only workers' comp systems, and this tool flags but doesn't price that scenario.

Business basics

State

Number of employees

Experience modification rate (e-mod)

Find this on your prior carrier's renewal paperwork. Defaults to 1.0 (average) if unknown.

Prior workers' comp claims

What does your business do, and what's the annual payroll for each part?

Class 1: business type

Annual payroll for this class ($)

Compare workers' comp quotes

Please note: Path to Insure is not an insurance company and does not sell, bind, or issue policies. We help you understand your options and find your path to a licensed insurer who can confirm actual coverage, terms, and pricing. We may be compensated when you use a partner link. Read our full disclaimer.